Storm Restoration Specialists

Deductible fraud occurs when a contractor offers to "cover" or "pay for" a homeowner's insurance deductible as an incentive to secure their business. This practice is illegal and unethical, as it involves inflating the repair costs or misrepresenting the true nature of the claim to the insurance company. When contractors engage in deductible fraud, they often inflate their invoices or use subpar materials and workmanship to compensate for the loss.

A reputable contractor should be able to provide proof of proper up-to-date certification and insurance. If a contractor cannot produce these documents or offers excuses for not having them, it's a red flag. Licensing ensures they meet certain industry standards, while insurance protects both you and the contractor in case of accidents.

Reputable contractors typically do not require large payments upfront. A common and reasonable practice is to ask for a smaller deposit or no deposit at all until work begins. Be cautious if a contractor demands full payment or a significant amount before starting any work.

A trustworthy contractor will provide a detailed written contract outlining the scope of work, materials to be used, timelines, cost estimates, and payment schedules. If a contractor refuses to provide a contract or the terms are vague and unclear, it's a significant warning sign.

An established, trustworthy contractor should have a history of completed projects and be able to provide local references. Check online reviews and ask for references to speak with past customers. Be cautious if a contractor has poor reviews, a lack of local references, or a history of complaints.

Be cautious if a contractor does not have a physical business address or local office. This can make it difficult to reach them for follow-up issues or warranty claims. It's better to work with a contractor with an established presence in your community.